Continuous compliance you can bank on
Get the secure infrastructure and suite of developer-friendly tools to unblock whatever's next. Protect your roadmap, scale, and worry less with Basis Theory.
Develop with flexibility
Enhance payment processes and partnerships with a compliant, customizable dev stack for bank data management.
Accelerate your launch
Skip the hassle of building your own security expertise. Launch with best practices and a fully compliant environment in minutes, not months.
Experiment responsibly
Enable new partnerships and ways to use bank account data while limiting access and ensuring compliance.
As a startup, we wanted to move quickly, but as a fintech we needed to securely store critical data. Basis Theory let us get up and running in a compliant way in just a few hours.
”
Sahil Hasan
CEO at Dots
From implementation to production, Basis Theory provides this perfect blend of configurability and abstraction. That’s given Milk Moovement a strong security posture that’s impressing both our partners and our product teams.
”
Thomas Moore
Team Lead at Milk Moovement
The security and infrastructure Basis Theory provides makes it easier to get new use cases approved by our financial partners.
”
Aviv Sarangi
Director of Payments at Melio
A vault your bank partners wished they'd built
Use flexible tools and services to unlock new products, partnerships, and services without exposing your system to bank account data.
Collect
Flexible web and mobile form components and customizable API endpoints to collect bank account data.
Store
Store and maintain account numbers and other bank data in a secure and compliant way.
Share
Transfer files to partners, validate accounts with vendors, and share data with financial institutions without involving your systems.
Frequently Asked Questions
How does Basis Theory work with companies, like Plaid?
Holding bank and PII data carries risks, but it also offers the level of control needed to optimize payment flows, switch vendors, meet Know Your Customer (KYC) or Business (KYB) requirements, monitor for fraud, and more.
Securing this sensitive data with Basis Theory and using services, like Proxy, allows customers to maintain flexibility without disrupting downstream vendors or exposing sensitive data to your systems.
You can learn more about sharing data with Basis Theory.
What are the data protection requirements for originators and receivers when it comes to securing bank account information in the United States?
Nacha, the regulatory and enforcement arm governing bank transfers in the US, requires all originators and third parties with transaction volumes greater than 2 million to render account details unreadable at rest. Tokenization can help.
Learn more about the requirement and our partnership with Nacha
Does Basis Theory generate bank transfers or ACH files?
Basis Theory provides a serverless environment for customers to use new or existing code to transform and route payloads to any destination. This allows customers to meet various formatting requirements and validation checks of any API endpoint or SFTP server.